Guide to Storm Damage Insurance Rights in Ohio

guide to storm damage insurance rights

Ohio homeowners, we understand that the aftermath of a storm might leave you overwhelmed, but understanding your insurance rights can help you start to rebuild your life.

We’re Ohio Roofing Solutions, and we dedicate our time to repairing and restoring your home to its former glory while giving you the knowledge you need to navigate the often complex insurance process effectively.

Call Ohio Roofing Solutions for a free, comprehensive damage assessment and expert insurance claim assistance!

What Ohio Homeowners Can Demand From Their Insurance Company:

  • File Your Claim—Immediately: You can file a claim with your insurance company for any damages caused by covered weather events like wind, hail, and storms.
  • Expect Prompt and Thorough Action: Your insurance company must promptly and thoroughly investigate your claim and maintain clear, consistent communication with you throughout the process.
  • Get a Fair and Accurate Assessment of Damages: You deserve an accurate and detailed evaluation of the full extent of the damages to your property conducted by a qualified adjuster.
  • Choose Your Restoration Team: You generally have the right to select the contractor to perform the home repairs. Ohio Roofing Solutions specializes in storm damage repair and can help you with restoration projects.
  • Receive Clear and Detailed Explanations: You are entitled to receive clear, concise, and detailed explanations of your policy’s coverage, any claim decisions made by your insurance company, and your rights as a policyholder.
  • Challenge Unfair Decisions and Offers: If you disagree with your insurance company’s assessment of the damages or their settlement offer, you have the right to challenge their decision and negotiate a fair resolution.
  • Seek Legal Representation: You have the right to seek legal counsel to represent your interests and protect your rights throughout the insurance claims process.

How to Effectively Handle Your Storm Damage Insurance Claim:

  1. Prioritize Safety and Secure Your Property: Take immediate steps to prevent further damage and ensure your safety.
  2. Report the Damage Promptly: Contact your insurance company immediately to report the damage and obtain a claim number.
  3. Capture Detailed Visual Evidence: Before making any temporary repairs, take clear and comprehensive photos and videos of all damages.
  4. Schedule Inspections with Qualified Professionals: Allow your insurance adjuster and reputable contractors to inspect the damage thoroughly.
  5. Obtain Multiple Repair Quotes: Contact several reputable contractors, including Ohio Roofing Solutions, to obtain multiple repair estimates for comparison.
  6. Thoroughly Understand Your Policy: Carefully review your insurance policy to understand your coverage, deductibles, and any exclusions.
  7. Maintain Clear and Detailed Communication: Keep detailed records of all communication with your insurance company, including dates, times, and names of individuals you speak with. 
  8. Dispute Unfair Settlement Offers: Don’t hesitate to challenge any settlement offers you deem unfair or inadequate.
guide storm damage insurance rights

Common Types of Storm Damage Experienced in Ohio:

  • Wind Tears Roofs Apart: Damaged or missing shingles, roof leaks, and structural damage to roofing systems.
  • Hail Dents Everything in Sight: Dents and dings on roofs, siding, gutters, and other exterior surfaces.
  • Water Invades Your Home: Leaks, flooding, and water intrusion through damaged roofing or siding.
  • Trees Fall and Cause Havoc: Damage caused by fallen trees or branches impacting your home.

Ohio Roofing Solutions: Your Trusted Storm Recovery Ally and Advocate:

We fully understand the stress and uncertainty that accompany storm damage. Ohio Roofing Solutions is here to guide you through every step of the restoration process, from the initial damage evaluation to the final repairs.

Our Comprehensive Storm Damage Services for Ohio Homeowners:

  • We Can Assess Damage Free of Charge: We provide a thorough and detailed inspection of your property to identify all storm-related damages, ensuring nothing is overlooked. The best part? It’s free of charge. 
  • Fight for Your Rightful Claim: We are insurance claim specialists, helping you receive the full coverage you deserve.
  • Restore Your Home, Expertly and Efficiently: As a HAAG Certified team, we deliver high-quality repairs and restoration services, returning your home to its pre-storm condition with precision and care.
  • Document Everything Meticulously: We provide detailed and comprehensive documentation of all damages and repairs supporting your claim.

Your Dedicated Local Storm Damage Repair and Restoration Team:

Don’t fall for storm chasers—roofers who follow destruction around to take advantage of people in their time of need. They often do shoddy work with no warranties. 

We proudly serve Ohio homeowners with reliable, professional, and compassionate storm damage restoration services. We are committed to helping you navigate the complexities of the insurance claims process and restoring your home with the utmost quality and care.

Don’t let storm damage dictate your future. Contact Ohio Roofing Solutions today for a free inspection and expert claim assistance!

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